Frequently asked questions

This will depend on factors such as your age, occupation and the type of policy cover and product you choose (NB: it is only available on Silver and Gold cover, where eligible). The cover applies on a third-party only basis if you have the vehicle owner's permission, and the vehicle is registered, insured and legal to drive in the UK, including insurance in its own right.

Please check your Certificate of Motor Insurance to confirm if you are eligible to drive another vehicle (under section 5).

Full details of any limitations are in your policy booklet.

Anyone who drives your car should be named on your policy as an additional driver. You can add a driver by logging into Your Insurance Account.

Adding additional drivers to your insurance could increase the overall cost of your policy but you will not be charged a fee when completing via this service. Your insurer reserves the right to refuse cover based on age, licence, residency and experience of the proposed additional driver.

Please see our existing FAQ 'How do I add or update my additional driver details?' for instructions on how to do.

If you want to add a temporary driver, they can be added to your policy up to a maximum of 28 days over the policy year. To do this, you will need to contact our Customer Service team and have your policy number ready. An administration fee will be applied and must be paid in addition to any change in premium.

When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of four years NCD. You must also have had no more than one fault claim in a three-year period to be eligible. Your NCD will then be maintained in the event of up to 2 claims within the first policy year.

If you renew your policy and have two claims in a three-year period, NCD protection will be removed, and if you were to have a third claim in this time, your NCD will be reduced.

Without NCD protection, claims where we are unable to make a full recovery from a third party will reduce your NCD.

NCD protection does not protect your premium and you may have to pay a higher premium and excess from your next renewal if any claims are made. Your NCD will not increase in any years in which you have a claim. If you renew your Tesco Car Insurance policy, the terms of your no claims discount protection will change. More information on how Protected NCD may be affected by multiple claims can be found in your policy booklet.

If you've driven a company car and the company have made no claims during that time, you could be eligible for a no claims discount provided that;

We're sorry to hear you're considering cancelling your Home Insurance policy.

To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your policy booklet.

You can opt out of automatic renewal at any time. Just log in to Your Insurance Account or by calling us.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

You can change your address at any time in Your Insurance Account.

As well as your new postcode and house number, you’ll be asked for the following information: -

What year the property was built?

What type of building Is it?

What construction type?

To change your address, follow these steps:

After logging in, select the policy and click ‘Make changes’

There are no fees for changing your address online, but your premium may change.

If you get stuck, were here to help. Get in touch by calling us on 0345 246 2904* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.

Policies that start with TI - £600 (subject to excesses)

Policies that start with QH - £1,500 (subject to excesses)

What’s not covered

Full terms and conditions can be found in your policy booklet.

You can check if you have or add personal possessions to your policy by logging into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

You can renew your policy by logging in to Your Insurance Account and follow these steps:

After logging in, select the policy and click ‘View renewal’. Check the information is up to date (any errors could leave you without cover and could also affect how much you pay). We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately). Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.

If you pay by Direct Debit, your new payments will start automatically. If you pay annually, we'll automatically take the new payment from the same card you used last year.

If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.

If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.

If your policy is set to automatically renew but you don't want to go ahead, you can make a change by logging in to Your Insurance Account or calling us on 0345 246 2904* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

No, unless the problems are unrelated. For example, if your dog cut their leg before your policy start date and this healed, and then your dog was unfortunate enough to cut their leg again, this would be classed as a new injury and would be covered under the terms of the policy (subject to the limits, excesses and exclusions that apply).

However, if the original cut did not heal properly and your pet needed further treatment, this would not be covered as it would be considered a pre-existing condition.

Symptoms exhibited before the policy start date that are diagnosed later are not covered either.

You can call us on 0345078 3895. Pre-existing illnesses and injuries that your pet(s) may have at the time of taking out the insurance are not covered.

Your policy will also not cover the costs of treating an illness that first showed clinical signs within the first 14 days of your policy start date.

If you have an accident or injury policy, your policy will not cover any accident or injury that happened in the first 5 days of your policy start date. Illness is not covered unless caused by an accident or injury.

If your pet needs treatment, we can pay either you or the treating vet, you just need to make sure your vet accepts direct payments. All you need to do is tick a box on the claim form.

You will find step-by-step instructions on how to make a claim on our website.

Claims for ongoing conditions can be made online. For new claims, the claim form can be downloaded and emailed back to us at tesco.petclaims@uk.rsagroup.com.

Or you can call on 0345 078 3860* and give the details by phone or get a paper for posted to you

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

Tesco Travel Insurance provides cover for your pre-existing medical conditions – after you have purchased your policy, you must contact our medical screening helpline on 0345 030 6124 if:

When you call, we will ask you specific questions about your medical condition(s).

After you complete your declaration, you may need to pay an additional premium to allow cover to continue for your pre-existing medical conditions and associated conditions. There is also a chance that we will not be able to provide you with cover for these conditions, in which case we will cancel your policy and refund you a portion of the amount you have currently paid unless you have not made a claim and do not intend to make a claim.

Tesco Travel Insurance can provide cover for pre-existing medical conditions - when you purchase the insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. If you do not tell us about any pre-existing medical conditions, this may impact any claim you make. Please note there may be an additional charge to cover some medical conditions.

The policy will be void if you travel against the advice of a medical practitioner or your public transport provider.

If you are in any doubt, you should call to check whether you're covered for your medical condition before you travel. Please call 0345 030 6124*.

If you purchased or renewed your travel insurance policy on or after 4th September 2024:

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by AWP P&C S.A.

If you purchased or renewed your travel insurance policy before 4th September 2024:

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

A wide range of sports and activities are covered as standard on all of the policies at no additional cost as long as you are participating on a recreational and non-professional basis during any trip and you are following local laws and regulations and using any recommended safety equipment.

A full list of sports covered as standard and any exclusions can be found in the policy booklets under SPORTS AND OTHER ACTIVITIES. You should check this list to ensure you are covered before participating.

Optional Golf Cover and Winter Sports Cover may be available to purchase at extra cost to provide more cover for those specific sports trips.

Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

Yes, cruise holidays are covered under the normal policy terms and conditions. You should ensure that you have cover for all the destinations that you will visit on the cruise.

Optional cruise cover is also available at an additional cost on some policies and covers missed port of departure, cabin confinement, itinerary change and unused excursions. If you have a Later Life policy this cover is automatically included in your policy.

Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.